Corporate Employee Benefits
A properly structured benefits package is one of the most powerful tools available to a CFO — for talent retention, tax efficiency and organisational resilience. We make the complex straightforward.
The most tax-efficient investment your business can make.
Most CFOs know that employee benefits matter. Fewer have a programme that's been properly structured, reviewed annually and built around the real cost of replacing talent.
We work with finance directors to design benefits packages that serve three goals simultaneously: they attract and retain the right people, they operate with maximum tax efficiency, and they reduce the liability that comes with an under-protected workforce.
The administration is handled. The compliance is managed. You get a programme that works — and a team that feels it.
Tax efficiency at every level
Retention over recruitment
Regulatory compliance, handled
One relationship, full picture
Rather than managing separate providers for pensions, PMI and group risk, we combine the advisory relationship — giving you a single point of accountability.
Five areas.
Complete coverage.
Group Pensions & Auto-Enrolment
Compliant, cost-efficient pension schemes built for your workforce — from basic auto-enrolment obligations to enhanced schemes that attract and retain senior talent.
- Scheme design, setup and provider selection
- Auto-enrolment compliance and re-enrolment management
- Annual scheme reviews and contribution benchmarking
- Employee communication and financial education
Private Medical Insurance
Group PMI that keeps your people healthy and productive — negotiated at scale, structured to balance cover quality against premium cost.
- Group scheme design and insurer negotiation
- Tiered cover structures for different employee levels
- Annual market review and renewal management
- Claims support and employee assistance programmes
Life & Critical Illness Cover
Death in service and group critical illness — the foundations of a serious benefits package, structured for maximum tax efficiency and employee value.
- Death in service / group life assurance
- Group critical illness cover
- Relevant life policies for tax-efficient director cover
- Excepted group life schemes for high earners
Income Protection
Group income protection ensures your people are supported if they're unable to work — and protects your business from the cost of long-term absence.
- Group income protection scheme design
- Deferred period and benefit level structuring
- Rehabilitation and return-to-work support
- Executive income protection for directors
Executive & Director Planning
Bespoke arrangements for key people — where the tax planning, protection and remuneration structure need to be designed together rather than in isolation. Often the highest-value work we do, and the most overlooked.
- Relevant life and EGLP policies
- Executive pension planning and SSAS*
- Shareholder and key person protection
- Director remuneration structuring
- Business continuity and succession planning
- Personal wealth integration for owner-directors
The value of an investment with St. James's Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.
*These types of pensions will not be suitable for everybody, as they require investors to be happy in making their own investment decisions and may incur costs not usually associated with other types of pension schemes. There are strict rules on what property can be held and how. The value may fall as well as rise and you may get back less than the amount invested. Pension and tax rules can change at any time and will be dependent on individual circumstances.
"The best benefits programmes don't feel like a cost. They feel like a competitive advantage."
How we work
From first conversation to fully implemented.
01 Discovery & Audit
02 Design & Recommendation
03 Implementation
04 Ongoing Management
Ready to build a benefits programme worth having?
We offer a no-obligation benefits audit for businesses with 10 or more employees — a no-obligation review of your current arrangements and where they could work harder for you and your team.
